I also was haressed with the same call with an strong axsent. they continued to call my cell phone and my job. they said that if i did not give them 945.35 that they would sent the police at my job. then they began to call my job cursing every one that answered the phone. by that time i was embarace, so i spoke with Joe marchall, Jack Sparrow jr, all from new york. unfortunate for me i gave them my bank account number and they took 945.35 out of my account so that they could stop harrasing me on my job. These people new where i lived and where my job was. How do they find these things out.? when it was paid out of my account i called to get a paid in full reciete and all the numbers that they called me from was no longer in service. so i decided to go online to look them up and thats when i began to read the posted letters. tears began to run down my eyes. I HAVE BEEN RIPED OFF!!!!!!!!! I AM A SINGEL DIVORCE MOTHER OF 6 CHILDREN AND IS STRUGLING TO MAKE ENDS MEET. HOW CAN PEOPLE BE SO HEARTLESS. I AM NOW ABOUT TO BE EVICTED FROM MY HOME BECAUSE IM NOW BEHIND ON MY RENT,BECAUSE OF THESE ANIMALS. PLEASE WHAT CAN I DO TO GET THESE PEOPLE FROM CALLING ME AND GOING INTO MY BANK ACCOUNT. HELP HELP HELP.

JUST RECEIVED A PHONE CALL FROM THIS DUDE SAYING I OWE A PAYDAY LOAN BUT WHEN I ASKED TO WHOM HE NEVER RESPONDED. HE KEEPS CALLING MY JOB & CURSING OUT ALL OF MY FELLOW EMPLOYEES. NOT SURE HOW TO STOP THIS GUY FROM CALLING BUT HE KEEPS CALLING.

the Individual/Business that victimized youBusiness Name:PCS, Pacifica Credit Services
First Name:JOHNITHAN
Last Name:REED
Gender:M
City:BROOKLYN
State:New York
Country:United States
Phone Number:3476730005

Jonathan calls repeatedly and demands that I give him a valid debit or credit card number to charge 675.00, or I will be arrested for defrauding a financial instruction, passing a NSF check by not having the founds in the bank when that tried to debit a City Bank account that I never had??. They are using my SSN and former address as proof that I owe this money to Cash net USA Payday Loans. I have never taken a payday loan and never had a City Bank account. They are calling my old job 4-5 times a day and my cell phone. When I asked for a fax number to send them paper work the man claim I was being difficult and the police will be at my house by the end of the day. This is the 8th time I have gotten this type of call from some Indian claiming to be with an investigation department. The number is always a cell phone and the address is a random. 347-673-0005,866-6516, 469-579-2393,619-259-5548,620-664-5496,866-568-1419,866-568-1422

pacifica credit services call my mom's phone and told her that they are from a law firm and to call them right away I was scared, when I call them they were from credit services, but the person ask my card no realize made a mistake went to my bank and close my account.

Called me and my friend said I was going to jail. Then sue me . For unpaid payday loan. Mean and cruel!!!7j4

Just got a call from James Johnson claiming the same as everyone else. I told him also to send documents but told me could not do that. The call was teminated.

This happen today 11/8/2011 at 8:26am.

I just receive a call block and they left a message giving me the number 347-380-8980. In the message the guy tells me to call back quick regarding about the law suit against my social security number. In the last 8 months I got the same calls but the phone number that Steven Johnson gave me was different. I remember the first time I called I told them send a letter in the mail that why my lawyer can take a look at it. So called "Steven Johnson" quickly say "Send my bank information"... I totally said "sue me if this is a real legal matter."

For people who get a message with the indian accent guy regard this stupid crazy illegal SCAM....

This is ER again, the number that the call came from was 347-380-8980.  This is the number my sister and I googled and found these reports so I decided to report my incident too.  The other number 347-671-0350 was for a Jack Williams.  These numbers can be blocked on our phones but they probably have many more numbers they use.  Hopefully someone will catch these scums soon so they can get what they deserve; time in jail and a huge fine.

A man by the name of Johnny Davis called me at work today.  After I refused to talk to him and asked him to please stop calling me and harrassing me at work, he asked to speak with my manager.  I told him my manager had nothing to do with this since it seemed like a persoanl matter.  He said he wanted to let my supervisor know that I had committed internet fraud.  I hung up on him and he continue calling after I kept hanging up on .  He called like 5 or 6 times one call after another.  Finally my supervisor was walking by and I told her about this situation and she answered the phone and talked to this individual.  She asked to speak to his supervisor but was unable to; was told that they couldn't transfer the call.  She took down information, names, numbers, etc.  The supervisor's name was James Johnson and some Jack Williams was mentioned as well.  The number to Jack is 347-671-0350.  My sister and I googled this number and this is when we found that it is a scam.  I can't beleive some people have nothing better to do than to try to scam people and they don't stop there, they continue to harrass people over and over.  Unreal!  I hope someone puts a stop to this once and for all!!

For the last two weeks I have been receiving calls from this same number. At first this guy would say that his name is Shawn Johnson. Then he would say hold on and let me transfer you to my supervisor and go figure his name is James Johnson. Same voice everything. I looked up consumer harassemet on the internet to see what my rights are. I have requested something in writing and they refuse. I have requested that they not call my job anymore. They called my job several times and my co-worker told them that i just stepped away from my desk. They called her a b**ch so she hung up on them. Then they called right back. I got a number for the National Harassment Advocates on line and i have sent an email to a law firm. I feel that my rights have been violated. So i will be calling my state Attoney Generals Office and my local police department. I really hope that someone can put and end to all this maddness. This is very ridiculous. All i want is for the calls to stop. Especially at my place of employment.

Those ragheads called me today... and when i started asking questions they got real nervous and started avoiding me and then started hanging up on me.... But i have some really good freinds who know how to deal with this... So Like everybody else said... DONT TELL THEM S***.....

These people are out of control they called my cell phone and it showed a number of 000-00-0000 but they were kind enough to leave a call back number so I was able to track them.. no lie I spent all day calling n calling I swear to God no short of 100 times with blocked calling I'd. I just started screwing with them I have alot of free time at my job we exchanged verbal insults it was awesome I think I was having too much fun.   They are a scam

I had the EXACT same thing, Teresa, he even gave me the same (obviously fake) name.  Claims he's from Public Credit Services, said my brother took out a loan, blah blah blah.  Hope he gets arrested soon.

PCS Law Firm (Public Credit Services 347-380-8980 strong foreign accent.. I have been getting theses calls for months.. They will not leave me alone.. They say I'm going to jail etc.. I told them to bring the Sheriff out.. Nothing every happened.  Then they stop calling for a month and it all starts up again.. I WANT THEM TO LOSE MY NUMBER..  This is harrassment!!!

A message was left on my answer machine, from a Mike, (couldn't understand him to well as he had a heavy accent and much office noise in the background, (like many people talking) He said he was an agent for a law firm called, Change Public Credit Services. (I think that's what he said) He said that I or my Wife should call him back. When he said that, I knew it was some kind and of Scam and decided to do some research, You see, my wife passed away in 2006.

During my research, I visited other web sites about the phone number and name. I saw they are well documented to be operating some kind of Scam. These people have been round way to long. Please do what you have to do to get rid of this "Scum."

Received a call from 209-555-1214 and a message was left by an indian accent guy stating he is from PCF and that my social security number, fico score and my job is in jeopardy. I looked up this number and also the number left by the caller as 347-380-8980. Well this must be a real SCAM and if this person thinks he is getting anything out of me, well he better think again.

I received a call a couple months back from a heavy accented Indian guy. And today 10-13-11 @ 857am from another deep accented Indian male saying he was an investigator from Law and Justice PCS. Tried looking up the company and no such records. He left me a message saying his name is DAVID COOPER and that if i did not cooperate with them, they will be calling my local police department and issuing a warrant for my arrest for committing fraud. First of all i knew that this was a scam because when I applied for any payday loans I was not approved and NO MONEY was RECEIVED as to me being jobless and not having an ACTIVE BANK ACCOUNT! The heavy accented Indian called back and left me a voice mail again stating that if i do not cooperate and pay the amount i owe....i will be arrested. He also told me that my social security number e-mail address my references and my drivers license are all under investigation. I wish that there were a way to block these people from calling. It is really getting annoying and this I Know for a fact is a DAMN SCAM! CALLS FROM 3473808980 ARE A SCAM. THEY ARE JUST TRYING TO SCARE YOU AND MAKE YOU GIVE THEM MONEY! DONT FALL FOR IT!

Same story as everyone else; I really can't add anything other than to reiterate DON'T GIVE THEM ANY INFORMATION WHATSOEVER!!!! I did manage to extract an address from "David Cooper" (HA!); that was 9515 Seaview Ave., Brooklyn, NY 11236. Do a Google streetview map search...it's a rundown apartment building...no way a "law firm" is located there! In the future, these clowns are going to hear nothing but a "click' as I hastily disconnect.

i get phone calls from this number.  the accent of the caller is very thick and i can barely understand them.  i believe it's the same person using a different name.  i called and when i began to ask questions, they hung up on me.  then they called my job.  threatened to have me fired.  threatened to call my payroll department and have money deducted from my check.  they also talk about fico scores, law suits, eviction.  they claim i defrauded a company i never heard of.  they are rude and unprofessional.  i hung up on them after i asked them not to call my job and they called 12 times, harassing me and my co-workers, threatening bodily harm.  i'm concerned and embarassed and don't know how i can get them to stop calling me.

I continue to receive harassing phone calls at home and at work from Sean Johnson, Steven Johnson and James Johnson.  The claims that I owe money are untrue and when I request that they send me correspondence in writing, they refuse to comply.  I have also asked for the name of the company and I continue to be ignored.  The phone calls and messages are threatening and border on harassment.  I requested that they no longer contact my place of employment and they stated that they refuse to respect or acknowledge my request.

I GET THESE CALLS ALL THE TIME I DO YOU STOP THEM FROM CALLING??

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

They obtained your information through Teletrack:

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

http://800notes.com/Phone.aspx/1-646-274-1143/3

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

PS--The FBI sent out a Press Release on this scam just last week:

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

http://800notes.com/Phone.aspx/1-951-489-0227

Received a voicemail marked as Urgent this morning.  Before I checked the voicemail I saw my text messages and a friend had said to call her back it's about some fraud and she was the guarantor.  Keep in mind this girl has had the same number for 12 plus years.  They called her by her maiden name but she has been married for 6 years.  She told me what "Marcus Stevens" had told her and he had asked about me, where i lived, number, etc.  I later checked my voicemail and heard a thick Indian accent telling me they were going to file the case with their local county and there were several social security accounts that I was responsible for.  Chances are it's fraud.  The number I had received the original call from was 209-555-1214 but the callback number was 347-380-8980

Mike wilson from this number called same story as above.  They threaten me, my mother, brother, and said they would have me fired. How do you get these calls to stop.

Received a voicemail, marked as urgent, a little while ago from a Marcus Stevens.  I returned the call and spoke with a James Johnson.  He gave me same song and dance that everyone else has reported ... when he asked if I was willing to take care of this matter today, I asked him if he would send me something in writing that I did not know of any money owed.  He told me that there was nothing to send because the loan I supposedly took out was over the internet and did not require a signature or paper trail.  When I asked that I be sent something again, he said he was calling my employer and hung up.  I called back, a total of 3 more times, being told it was a different person each time yet they knew exactly who I was and would hung up on me.  This is a total scam ... I hope that before anyone gives these people the money they are looking for that they read these posts.  I just want to know how I can report them.

Ignore it - its a total scam.  They called me from a bunch of different #'s - they said i owe them money and they want my account # to pay them back...its an indian guy with a really thick accent....when he calls he says his name is either James Johnson...or Carl Johnson.  I wouldnt give him my account # and he got all pissy about it.  I then asked what company he works for  - he said he worked for a law firm (law firm??? why are you in need of my account # then???)...since i work for a law firm i asked which one he worked for....he asked why i need to know that info...we went back and forth for like 10 minutes - he said that he reps a loan company that i owe money to - i never took out a loan...i asked for the loan company name and again he asked why i need to know that info....is this guy kidding?  so he FINALLY told me the name of the company and the phone #.  I called the company and it was another guy with an indian accent and he said that he is a loan company but he needed my loan or file # - so i asked the guy who works at the "law firm" for my case # and he gave it to me.  I went back to the phone with the "loan company" and switched some of the #'s around....and miraculously my file popped up....i told them i would call them back...they wanted to know how long...i told them they would be waiting forever.  let them call - and waste their breath with messages.

I rec'd call from James Johnson, who said they were going to sue me if I didn't pay them. I asked them to fax the documentation. What I got was a settement to pay but no proof of who it was for. I asked him to send one stating it was for cash loans with the account number. He wanted to argue and said he will call my employer. I said go ahead. This has to be a scam. No such company exists. I have googled all kinda ways!

Just called that same number as all of you are reporting - it immediately gives me music - no intro to who the company is - I called back again and told the 'INdian' that I wqas trying to get info as to why they keep calling my parents and asking for SS info etc.   He asked who I was , I just gave my first naem and he sais 'Who is that'  I replied that i am a concerned citizen trying to find out why they are harrassing my parents - he asked if the calls were about me or them - I said them - he said 'have them call' and he hung up on me/.....TOTAL SCAM......Let every one know!

My mother keeps getting phone calls from this number also saying they have a lein onher property, etc.  It is a bunch of crap!  DO NOT tell them any info aout yourself